The financial loss of a stolen car is bad enough and although insurance will compensate for this, nothing can help with the shock and inconvenience.

Walk around any car park. You'll see cars with windows open, ignition keys in the lock, sun roofs open, valuable property and clothing on display on the rear seat. Be sensible. Follow the checklist below every time you leave your car.

Take Care of Your Property

Remember - if you are careless when leaving your car then your claim for theft may not be paid at all. Your insurance policy requires you to take care of your property at all times. Have all the windows etched with the registration number of your car. This deters car thieves.

Many insurers allow a special premium discount if your car has a professionally-fitted alarm/ immobiliser system. The Motor Insurance Repair Research Centre checks on vehicle security devices to see if they comply with the criteria of the Insurance Industry Vehicle Security Scheme. The list of those products that have passed is used by insurers as a basis for premium discounts and required security. Ask your insurer what systems they approve or require. They may also require the system to be fitted by a member of the independent Vehicle Security Installation Board. Your insurer can advise you about this.

Thief Avoidance Check List

• Where to leave your car
  At night, park in a well-lit place. Thieves like working in shadows. In a ticket-exit car park, take the ticket with you.
• Remove Car Ownership Information
  Don't leave your certificate of insurance and registration document in the car.
• Hide Property
  Leave property in a locked boot. In a hatchback the rear shelf should be in position. In an estate car cover up property with a sheet or blanket.
• Remove the Ignition Key
  Don't leave the key in the ignition - not even for just a few seconds to go into your home, a shop or pay for petrol.
• Close All Windows
  When you leave the car, close windows. Don't forget the sun roof.
• Use an Anti-Theft Device
  Thieves are opportunists. They will probably move on to a car without a device fitted.
• Always Lock Doors and Boot/Tailgate
  Even when the car is in your own drive or garage, lock it and take the keys with you.
• Children and Animals
  Never leave young children or animals alone in a parked car. With windows or sun roof open you run the risk of theft. With windows closed there is a grave danger of suffocation.